 
 (s/defn get-down-payment :- s/Num
   [m :- Mortgage]
-  (- (:house-price m)
-     (* (:house-price m)
-        (- 1
-           (:down-payment-percentage m)))))
+  (* (:house-price m)
+     (:down-payment-percentage m)))
 
 (s/defn get-loan-amount :- s/Num
   [m :- Mortgage]

     (* (:num-years m)
        12)))

(def foo (make-mortgage 500000 0.0325 0.2 30))

(comment
  (get-loan-amount foo)
  (is-jumbo-loan foo)

  (s/fn-schema get-loan-amount)
  (s/fn-schema make-mortgage)

  (base-monthly-payment foo)
  (total-mortgage-price foo)

; f7: step into
; shif-f8:  step out

; per https://smartasset.com/taxes/oregon-property-tax-calculator#7KnveUIptd
(def multnomah-county-property-tax-rate 0.01123)

; per http://www.valuepenguin.com/average-cost-of-homeowners-insurance
(def average-monthly-homeowners-insurance-payment 47.98)

(s/defschema Mortgage
  {:house-price             s/Int
   :apr                     s/Num
